CHOOSE TO SIMPLIFY... AND IMPROVE... YOUR COMPANY RETIREMENT PLAN
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1 CHOOSE TO SIMPLIFY... AND IMPROVE... YOUR COMPANY RETIREMENT PLAN TM
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3 By choosing ECCA PayrollPlus, you instantly access the benefits of leveraged expertise in payroll & tax administration. Now do the same for your company retirement plan with RETIREADY401k, a state-of-the-art, turnkey 401(k) program. Enjoy the efficiency of a bi directional data feed between your payroll processor and plan provider. Provide payroll data to ECCA, and let RETIREADY401k do the rest. Payroll data flows accurately from ECCA to BlueStar Participant withholding changes automatically update payroll Volume Pricing Easy Administration Fiduciary Liability Relief Professionally Managed Investments Customized Plan Design Complete Account Services Fiduciary Plan Administrator Recordkeeper & TPA Fiduciary Investment Manager Trading Platform & Custodian RETIREADY401k is a trademark of Alexandria Capital, LLC
4 What is RETIREADY401k? Through the RETIREADY401k program, employers of any size are able to capitalize on the efficiencies created through the collaboration of the premier providers ECCA has assembled. Your unique alliance of providers work together to implement a fully customized retirement plan designed to meet the unique needs of your business and those of your participating employees. By establishing automated workflows between payroll, plan administration and investment management services, the time and money typically spent sponsoring and supporting a retirement plan are dramatically reduced. In addition, multiple fiduciary support services are available to you, offering unparalled protections for pricing unmatched in the industry. The Cost Effective Solution Fee and Service Flexibility The RETIREADY401k program is a collaboration of over 100 years of combined thought leadership and industry expertise, coming together to take care of your plan administration and to ensure your plan remains in good standing. Sought separately outside of a payroll relationship with ECCA, the cost to engage these service providers could be a barrier to small businesses who desire this level of administrative support and fiduciary protections for their plan. The RETIREADY401k program combines in a single offering: Fiduciary Plan Administrator Fiduciary Investment Manager Plan Provider/Recordkeeper & TPA Custodian & Trading Platform Efficient Pricing The RETIREADY401k pricing structure is based on the operational efficiencies created by automating the resources of all participating service providers. As well, by integrating a Fiduciary Investment Manager, the issues of expensive share classes or limited or proprietary investment options that smaller plans typically experience when implementing a retirement plan - are eliminated. You get best practices, at the best price. By choosing RETIREADY401k, you and your employees enjoy the benefit of big plan pricing and service, which includes: Fiduciary investment management Professionally managed model portfolios Lowest-cost share classes Open architecture investment menu No wrap-fees or hidden charges No surrender charges Fiduciary plan administration Participant investment education Full-service participant and sponsor websites
5 We ll Be Your ERISA Benefits Staff Employees expect that their employer will provide an easy and convenient way for them to prepare for retirement. But sponsoring a retirement savings plan can be a burden as well as a potential liability. Leave the Work to Us RETIREADY401k makes it EASY FOR YOU by taking care of plan administration. Calculate and remit all employee deferrals and employer contributions Identify newly eligible employees and provide enrollment kits Process new enrollments and deferral changes Perform all required annual compliance testing and government filing Distribute all required notices, including the Summary Plan Description Prepare and submit annual census file for annual testing Process all employee distribution and loan requests Watching Your Back RETIREADY401k assists with the FIDUCIARY DUTIES that come with sponsoring a qualified retirement savings plan. Your Fiduciary Plan Administrator, Roland Criss, will: Engage and monitor service providers necessary to service your plan Sign and maintain all plan documents (adoption agreement, plan and trust, etc.) Review and authorize annual census file for annual testing Review and sign the required plan Form 5500 filings Approve all employee distribution and loan requests Follow and adapt to all required regulatory changes Monitor all governing plan policies such as investment, loan, fees, etc. Ensure the plan adheres to fee reasonableness standards (ERISA section 408(b)(2)) Your Fiduciary Investment Manager, Alexandria Capital, will: Select, monitor and modify all plan investment options Design asset allocation models to allow participants to easily diversify
6 Expert Investment Management You offer a retirement savings plan to your employees to help them prepare for retirement. Your plan s investment menu directly impacts their likelihood of success. An intelligently designed and expertly managed menu creates the potential for maximum returns. A poorly designed or ill managed menu that includes proprietary funds, high-cost share classes or inappropriate funds sacrifices participant returns and ultimately undermines your employees ability to prepare for retirement. By choosing RETIREADY401k, your employees will benefit from a customized investment menu designed to serve their interests that is diligently monitored according to exacting fiduciary standards. The Right Investment Menu with Built-In Fiduciary Protection RETIREADY401k puts investment selection and monitoring squarely in the hands of the professionals. Alexandria Capital acts as the Fiduciary Investment Manager to each and every RETIREADY401k plan, bearing the fiduciary responsibility for selection, monitoring, and modification of the plan investment menu, removing employers from a role for which they are not typically trained. BlueStar, as the RETIREADY401k plan provider and recordkeeper, offers an OPEN ARCHITECTURE PLATFORM as provided by TD Ameritrade Trust Company which provides access to a virtually unlimited selection of investment options from hundreds of different mutual fund families and investment managers, free from any proprietary fund requirements. This also allows RETIREADY401k to utilize the absolute lowest-cost share classes available. In addition, any revenue sharing payments that are generated by plan investments are retained in the plan to offset plan or participant expenses. This revenue sharing neutrality eliminates potential provider restrictions on share class selection or investment option usage. What does this mean for you? FREEDOM. When designing or modifying the plan s investment menu, your Fiduciary Investment Manager will craft the investment menu that maximizes the return for you and your employees and integrates the fiduciary protections you need as the sponsoring employer. An intelligently designed and expertly managed menu creates the potential for maximum returns.
7 The Right Process Having a great investment menu is about having the right platform and the right process. With the expert management and oversight of an integrated Fiduciary Investment Manager, the manager selects and monitors your plan s investment menu. The design of a great investment menu begins with the creation of a customized investment policy statement (IPS) for your plan, which is the keystone of the plan s investment fiduciary process. Using the framework established in the IPS, available investment options are screened using a matrix of analytics including the fund s historical performance, style drift and consistency, alpha, Sharpe Ratio, assets under management, longevity, and operating expense. The investment menu is then monitored every quarter, measured against the same exhaustive criteria used for selection, to assess and ensure continued appropriateness and suitability for the plan. With such process and protections in place, you can be confident that the investment menu will provide your employees with the best opportunity to prepare for retirement. A great investment menu is not only about having the right options, but about having the right options at the RIGHT PRICE. Most investment managers offer the exact same investment option in a variety of different share classes. Each share class typically corresponds with a different operating expense ratio. The higher the operating expense, the lower the return. An investment menu that includes expensive share classes undermines your employees ability to build their nest egg.* Don t pay too much! By choosing RETIREADY401k, your Fiduciary Investment Manager has access to an investment platform that allows them to choose the share classes that minimize fund expense and maximize participant returns. *If your current plan includes high-cost share classes, it is likely because (1) the provider or broker is being paid through revenue sharing or (2) your plan size is too small to qualify for a less expensive share class.
8 Customized Plan Designs to Meet Your Corporate Objectives Your company s retirement plan is not just another benefit. When properly designed, it can be an integral part of a strategic compensation package that not only helps your employees prepare for retirement but also helps you retain great talent while minimizing your payroll costs. But for many companies, their retirement plan falls far short of these goals. Those who are able to participate often do not, while those that want to participate often cannot. By choosing RETIREADY401k, you receive complimentary plan design services from experienced retirement plan specialists. Learn what your retirement plan can do for you and your employees today! Design a Plan That Works For You What are your objectives? The right plan design will ensure that your plan meets your needs. Provide a Safety Net for Your Employees With Social Security typically covering only about 38% of the income needed in retirement, your employees need to start saving now if they are going to be ready. Because you care about your employees and realize that their financial pressures will ultimately affect the workplace, you need a plan design that will help you increase participation. Attract and Retain Your employees are your most valuable asset. In a competive hiring environment, how do you keep the great staff you have and attract the new employees you want? A well-designed retirement savings plan will be an important part of that equation. With the right vesting schedule and employer contributions, you can offer a plan that will help you attract and retain the quality workforce you need. Avoid Annual Refunds Do your company owners and top executives receive refunds of their contributions each year or are they advised that they must limit their contributions? For many companies, the employees most interested in contributing can t. When your key employees can t participate in your plan, you lose a powerful component of your executive compensation and benefits package. The right plan design can help ensure that your plan is a real benefit to everyone. Targeted Contributions You ve likely heard of matching contributions and regular profit sharing contributions, but you may not know that within your retirement savings plan you can target your profit sharing contributions to benefit key groups. For many companies, the flexibility to target employer contributions can be a powerful strategic benefit, potentially saving thousands in corporate and personal taxes. Is this design right for you?
9 Information When You Want It Plan Information at Your Fingertips Participant Services By choosing RETIREADY401k, you reap the benefit of LARGE PLAN RESOURCES. But you ll never lose your individual plan experience. Your participants will enjoy full-featured online access. The participant website is fully transaction capable and easy to use. From enrolling in your plan, to researching new fund options, to requesting a distribution upon retirement, the participant website makes it easy for your employees to manage their account. At you will have easy access to your company s plan information and your employee s account records. By choosing RETIREADY401k, you are able to identify as many individuals as is necessary to the successful operation of your plan as plan administrators to have plan-level access to your company s plan records. Plan sponsor access also enables our premier partners to download informative plan reports for efficient plan monitoring and management on your behalf. Plan Level Reports: Executive Summary Report Census Report Account Activity Summary Source and Investment Summary Key and HCE Report Distribution & Loan Summary Employees Eligible for Catchup Contributions 70 1/2 Required Minimum Distributions Summary of Web Requests Summary of Deferral Changes Daily Participant Statements Participant Account Options: Enroll in the plan Use a Retirement Calculator Update profile Change beneficiary View account balance and vested percentage Change deferral percentage Transfer balances among investment options Change investment elections Request a loan or distribution Run daily statements Access investment option information Determine personal and fund-level rates of return Link to online investment advice Download plan documents and forms
10 Easy, Interactive and Informative Participant Tools The Enrollment Toolbox Our online enrollment toolbox is an interactive and engaging one-stop enrollment experience. It s available 24/7 so your employees can learn about and enroll in your plan when it s convenient for them. Watch the Enrollment Video (English & Spanish!) Plan for retirement with the Enrollment Wizard Study the Enrollment Guide & Enrollment Workbook Review the Investment Option Menu Enroll in the plan Demonstration Websites The participant and plan sponsor websites empower both sponsors and participants by providing easy access to account information. See how easy it will be for you to access information on your company s plan and for your employees to manage their account by logging into the demonstration websites! Employer Plan Access: Website: Click Sponsor Userid: sponsor Password: sponsor Participant Plan Access: Website: Userid: Password: 4444 Click Login Real People. As great as the web is, sometimes you need to talk to a real person. A toll free number connects your employees to customer service representatives who can help your employees get the information they need, as well as the expert investment guidance they need to make educated decisions; this takes the burden of investment related questions or education off your shoulders. The call center can assist participants with transactions, account changes and account questions. Enrollment specialists are also available for in-house and web-based educational meetings.
11 YOUR TEAM By bundling what should be together and separating what shouldn t be, you ll gain efficiency, expertise, and checks and balances all while eliminating conflicts of interest. Fiduciary Plan Administrator Recordkeeper & TPA Fiduciary Investment Manager Trading Platform & Custodian
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